Citrine Lending Solutions

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Cronulla Beach, NSW
Citrine Lending Solutions

Citrine Money is your trusted investment property loan partner.

Owner, Jake Brennan, is a mortgage planner who works with clients with existing property and debt portfolios or who are looking to borrow to invest in property. Citrine Lending Solutions is a trusted specialist in SMSF property lending for Australians looking to invest in property through their superannuation. We work with Australians who are building or managing property and debt portfolios and w

ho want to use a Self Managed Super Fund as part of a long term wealth strategy. We specialise in SMSF property loans, limited recourse borrowing arrangements, residential investment lending, refinancing and strategic debt portfolio management. Our expertise lies in structuring SMSF lending correctly from the outset so your super fund property investment is compliant, cash flow efficient and aligned with your broader retirement objectives.

25/12/2025

SMSF Limited Recourse Borrowing Arrangements - explained simply.

An LRBA is a key part of buying property through a Self-Managed Super Fund.

Understanding how it works helps you understand how risk is managed within the structure.

Save this if SMSF property is on your radar ⬇️
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09/07/2025

🧐 1 in 2 borrowers don’t know their home loan rate 🧐⁣
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New research shows more than half Aussie home owners with a mortgage are in the dark about their loan rate, according to Finder.⁣
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But ignorance isn’t necessarily bliss when it comes to a home loan. 🙃⁣
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Mortgage repayments could be your biggest household expense.⁣
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So, unless you know the interest rate you’re currently paying, it’s almost impossible to be confident you aren’t paying too much.⁣
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Call us today to get to know your loan rate. ⁣
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We can explain if you could potentially save on interest with a more competitively-priced loan. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

07/07/2025

🤔 How are most families using their recent mortgage savings? 🤔⁣
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The February and May rate cuts saw Australian families with an average home loan of $641,000 save about $200 a month each, according to Finder.⁣
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So how are they planning on using the extra money? ⁣
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Two in five plan to save it, says Finder. ⁣
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The same proportion (39%) are tipping the savings back into their loan or offset account to get ahead on their home loan.⁣
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And about 6% are treating themselves by spending it (and fair enough, too!). 😅⁣
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But with more potential rate cuts tipped for 2025, it’s probably worth thinking about yourself.⁣
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And if you want to find out more about offset accounts, or even refinancing, please get in touch. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

02/07/2025

🏡 Could home loan pre-approval help you buy in a FOMO market? 🏡⁣
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Two rate cuts plus expectations of more to come are seeing homes across the country being snapped up more quickly, says Domain.⁣
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In a quicker paced market, having home loan pre-approval could give you an edge over other eager buyers. 😁⁣
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Pre-approval can show that you’re a serious buyer, could enable you to negotiate harder on price, and potentially provide you with added confidence when bidding at auctions.⁣
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If you're keen to find out more about home loan pre-approval, get in touch today. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

30/06/2025

🏦 Are smaller lenders as dependable as the big banks? 🏦⁣
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It’s a question we’re often asked. 🤔⁣
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Rest assured, all legitimate lenders – big and small – face the same regulations from the same regulators*.⁣
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And it's our responsibility to only match you up with a loan from a reputable lender that meets these regulations.⁣
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But there can be differences between big and small lenders. 🍏🍊⁣
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Smaller lenders may offer a lower rate to try and stay competitive.⁣
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Larger lenders may offer a broader choice of loans or offer more loan features.⁣
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What matters is that you find the loan that matches your needs. 😁 ⁣
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Call us today for help finding the home loan that lets you kick your property goals. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

25/06/2025

🚓 How much can traffic noise impact property prices? 🚓⁣
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A study by PropTrack and Ambient Maps analysed noise pollution from busy roads, railways and air traffic. ⁣
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It then measured those findings against nearby property sale prices:⁣
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🛣️ Roads: an average decrease in property value of 6% for every 10 decibel (dBA) increase in noise. ⁣
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🚊 Rail: an average decrease of 4% was seen for every 10 dBA increase in noise.⁣
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✈️ Aircraft: 6-9% decrease for every 10 dBA increase (being under a flight path is about 20 dBA louder).⁣
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By way of example, a 5% decrease on a $1 million property is about $50,000.⁣
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If you’re in the market to buy, get in touch and we’ll assess your borrowing power to help give you a better idea of what you can afford. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

23/06/2025

🤝 More Australians are turning to mortgage brokers for help 🤝⁣
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Almost 8 out of 10 (76%) new home loans were organised with the support of a mortgage broker in the final quarter of 2024, according to MFAA statistics.⁣
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It’s the highest market share to date. 🙌⁣
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The fact is, more Australians are reaching out to their mortgage broker in uncertain times.⁣
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One of our primary roles is to help you get ‘finance ready’. 💪⁣
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Put us to the test.⁣
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Call us today for help to prepare for your next loan application or applying for government first home buying schemes. 👇⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

18/06/2025

👇 Fixed rates have been trending down 👇⁣
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March saw a whopping 39 lenders cut some or all of their fixed rates, according to Mozo research.⁣
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That’s seeing plenty of fixed rate loan options sit below what's on offer with variable rates.⁣
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Tempting, right? 🧐⁣
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Better still, you don’t have to lock in for years.⁣
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Many lenders are offering 1-year fixed rate terms with an interest rate that's lower than their variable rate options.⁣
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Now, we know there's been talk of more RBA cash rate cuts this year - but it's never a guarantee - so it’s worth thinking about fixing at the very least.⁣
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Talk to us to see if fixing – or a split rate – could work for you. 👍⁣
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To find out more, DM or contact Jake from Citrine Money on:

☎️ – 0468 996 544
💻 – [email protected]

Address

PO Box 2211
Cronulla Beach, NSW
2230

Telephone

+61468996544

Website

http://www.citrinelendingsolutions.com.au/

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